India is witnessing a huge growth in mobile banking and net banking on the mobile phone. In order to make sure the consumers are protected from mis-happenings while using these modern media of transactions, the Govt. of India has allowed the use of proxy SIM cards carrying digital certificates for mobile phones. This allows secure communication over SMSes and email and these digital certificates provide another layer of authentication on mobile communication.

According to the Controller of Certifying Authority of India, Mr. N Vijayaditya the govt. is recommending the certification of proxy SIM cards with digital certificates. These are very easy to use and can be inserted on top of regular SIM cards. Use of these digital certificates can make mobile banking and mobile transactions secure.